Any Malaysians and Permanent Residents residing in Malaysia accepted by the Company between 15 days and 59 years of age at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 70.

Pre-existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which: 

• The Insured Person had received or is receiving treatment;
• Medical advice, diagnosis, care or treatment has been recommended;
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances.

No benefits shall be payable if you are living outside the Usual Country of Residence as defined in the Policy for more than 3 consecutive months in any 12 month period, except the permanent change in Usual Country of Residence notified and accepted in writing by the Company.

Yes, the Policy shall not be liable for any Critical Illness first diagnosed within 30 days from the inception date of the Policy for Critical Stage and 60 days for Early Stage.

If you switched to another insurer and your current health status is less favourable to the new insurer, you may be imposed with new terms and exclusions and have to go through the standard waiting period before you can make any claim.

No, you don’t unless you have a medical history for which we may ask for your latest medical records.

“Survival Period” is the length of time you must survive after you diagnosed as having a specified critical Illness to be able to make a claim. The survival period for critical illness is 14 days after diagnosis.

This is an annual renewable policy and premium will be adjusted when the Insured Person enters a higher age band.

There is a “Cooling-Off Period” of 15 days given to the Insured Person to review the suitability of the newly purchased MSIG EZ Plus Critical Care Insurance. If the Policy is returned to the Company during this period, the full premium will be refunded to the Insured Person minus the administrative expenses incurred by the Company, if any. 

After the “Cooling-Off Period”, you may cancel the cover at any time by giving written notice to the Company. However, the Company shall retain a premium in accordance with the short period scale. In the event of a claim, the Company reserves the right to retain 100% of the annual premium.

You may contact any MSIG Branch or your Insurance Adviser to obtain a copy of the claim form. Submit the completed claim form here to the Company together with all relevant documents as soon as possible.

Just complete the attached proposal form here and send it to us, or your Insurance Adviser.

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre. 

If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Ombudsman for Financial Services (OFS), free of charge.